How to installment Minsheng Credit Card?

Minsheng Credit Card What is Free Installment? How to deal with it?

The installment payment method of Minsheng Credit Card can be divided into two types: free installment and bill installment, but many cardholders only know the bill installment and don't know the free installment. So, what does this free installment mean? How to apply for free installment? Let's take a look together.

First, Minsheng Credit Card launched free installment.

Free installment and bill installment are both one kind of installment payment, but the initial installment amount and installment rules are different.

Free installment is mainly for a single installment. As long as the consumption in 600 yuan exceeds RMB, you can apply to divide the transaction into 3, 6, 9 and 12 interest-free installments before the billing date. In addition, if your single transaction amount is more than 5000 yuan, you can also apply for 18, 24 interest-free installment.

The object of free installment is the host of Minsheng Credit Card, but it does not include new electronic credit cards, platinum wealth management cards, Bao Tong installment cards, Bao Tong white-collar cards, automobile installment cards and automobile installment parking products.

Second, Minsheng Credit Card Free Staging Method

There are many ways of free installment. Eligible cardholders can apply through customer service phone, online banking, mobile banking, SMS and WeChat banking. The specific method is as follows:

1. Telephone application: You only need to use the reserved mobile phone number to call the 24-hour service hotline of Minsheng Bank Credit Card, transfer the manual service and apply to the customer service, and the customer service will handle it for you after verifying your qualifications.

2. Online banking application: log in to Minsheng Bank's personal online banking, find "free installment" in installment payment, select a single transaction and the number of installments to be installment, and click OK to apply.

3. Mobile banking application: log in to Minsheng Bank Mobile Banking and click Credit Card →→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→→

4. SMS application: edit the last four digits of SMS FQZY and send it to 1069895568.

5. WeChat application: Pay attention to and open Minsheng Credit Card, click [Quick Processing] → 【 Instant Installment 】→ 【 Free Installment], select the transaction and number of installments to be paid in installments, and complete the application.

Conditions and methods of applying for Minsheng credit card bill by installment

Minsheng Bank credit card can provide installment repayment service for cardholders, but many cardholders are not very clear about the application conditions and do not know how to handle them. In order to let everyone better handle the installment, I will introduce you to the related matters of the installment of Minsheng credit card bills.

First, Minsheng credit card bill installment conditions

1. Personal card holders can apply (except for holders of platinum wealth management card and automobile installment credit card, but holders of business card, official card or supplementary card cannot apply);

2. The monthly bill amount must reach 600 yuan RMB or above to apply;

3. The maximum bill amount of the current month shall not exceed 90% of the current bill amount.

4. Installment payment cannot be made for transactions that have been paid by installment, cash withdrawal transactions, various interest expenses, unrecorded transactions and other transactions stipulated by the bank.

Second, Minsheng credit card bill installment time

If you want to apply for bill installment, you must apply before the next day of the current billing date and the last repayment date 17: 00.

For example, if your current billing date is 65438+10.6, and the final repayment date is March 26th, then the time to apply for billing installment is March 7th to March 26th 17: 00.

Third, Minsheng Credit Card Billing Staging Channel

There are many channels for credit card bill installment in Minsheng Bank. You can choose the method you like, as follows:

1. Log in to Minsheng Personal Online Bank to apply.

2. Call the 24-hour customer service hotline of Minsheng Credit Card at 400-60-95568.

3. Edit SMS application

4. Log in to mobile banking.

5. Answer the outgoing calls of Minsheng 0 10-95568 and 028-95568.

6. Pay attention to the official account application of Minsheng Credit Card WeChat.

Note: After the cardholder successfully applies for bill installment business, the number and amount of installment application cannot be changed.

Introduction of Free Installment Payment by Credit Card of Minsheng Bank

1. Introduction of Minsheng Bank Credit Card Free Installment Payment

The credit card installment payment of Minsheng Bank is free. If the single amount of credit card spending exceeds 600 yuan RMB (or equivalent RMB), the current bill holder may apply for interest-free installment payment in 3, 6, 9 and 12 installments; You can also apply for 18, 24 interest-free installment payment if the single amount of credit card consumption is more than 5000 yuan (or equivalent).

Two, Minsheng Bank credit card free installment fee.

The calculation formula of free installment fee for credit card of Minsheng Bank is: installment fee = total installment amount × installment fee rate; Total handling fee = installment number × installment handling fee rate

Number of installments and commission rate:

Three, Minsheng Bank credit card installment rules

Application time: The cardholder can change any eligible transaction into a free installment transaction in the bill application.

Application amount: the minimum amount of free installment payment for the 3rd, 6th, 9th and12nd installments is RMB 600 yuan (or equivalent), and the minimum amount of free installment payment for the 4th and 3rd installments is RMB 5,000 (or equivalent).

Four, Minsheng Bank credit card installment application method

1. Online banking application: log in to Minsheng Bank online banking to apply for free installment.

2. Customer service telephone application: Call the 24-hour hotline of Minsheng Bank Credit Card and transfer to manual application.

3. SMS application: edit the SMS "FQZY has no four-term amount" and send it to1065710900 9556800 or 10657574895568.

Unicom sent 106550295568, and Telecom sent 10659022 195568 application.

How to handle the credit card bill installment of Minsheng Bank?

Many bank credit card centers can provide billing installment services for cardholders, and Minsheng Bank is no exception. Using the bill installment repayment service can alleviate the repayment pressure of cardholders. However, there are conditions for handling this business, and only qualified people can apply. Next, let's introduce the related matters of credit card bill installment of Minsheng Bank.

Minsheng credit card bill installment application requirements are as follows:

1. application time: cardholders can apply between the next day of the current billing date and the last two days of repayment (before the deadline of 17: 00).

2. Application conditions: All cardholders except Platinum Financial Card and Car Installment Credit Card can apply. In addition, supplementary cards and business cards are not allowed;

3. Application amount: The minimum application amount shall not be less than 600 yuan RMB, and the maximum application amount shall not exceed 90% of the outstanding bill balance.

Eligible can be handled through the following channels:

1. Call the 24-hour customer service hotline of Minsheng Credit Card: 400-66-95568 to apply for manual customer service. You can choose one of the six periods of 3, 6, 9, 12 and 18, 24.

2. Log in to Minsheng Personal Online Banking to apply and log in to the online banking page. In the menu, you can pay by installment or view a single consumption, and then click Apply for Installment.

Matters needing attention in installment of Minsheng Bank's credit card bill:

1. After the bill installment application is successful, the installment amount and the number of installments cannot be modified, but it can be cancelled before 2 1: 00 on the same day. Cancellation after this time fails.

2. You need to call Minsheng Credit Card Customer Service Hotline to apply for prepayment. After the application is successful, you need to repay the outstanding principal and all the handling fees of the remaining installments in one lump sum.

How to handle the cash installment of Minsheng Bank credit card? The process is simple.

Many card friends only think that credit cards can be used for overdraft consumption and cash withdrawal, but they don't know that they can also handle cash installment business to obtain funds when they are in urgent need. However, each bank handles cash installment in different ways, and the number of installments and handling fees are also different. Here's how to handle the cash installment of Minsheng Bank's credit card, as well as the installment times and handling fees.

Introduction of Minsheng Bank's credit card cash installment

Cash installment business is a cash service provided by Minsheng Credit Card for cardholders. You can transfer the amount within the available limit to the debit card in your own name for installment repayment by handling cash installment.

It should be noted that cash installment does not need any asset mortgage and interest payment, but it needs to pay installment fees, which varies according to the number of installments.

How to handle the cash installment of Minsheng Bank credit card?

Minsheng credit card cash installment business can be handled through personal online banking, customer service phone, WeChat official account, mobile banking and other channels. As long as you have a good credit card record and no bad credit record, you can basically make repayment. The specific processing flow is as follows:

1. Online banking application process:

Log in to Minsheng Personal Online Bank, select the function of "credit card cash installment", select the number of application periods, enter the application amount and transfer it in to complete the application.

2. Customer service telephone application process:

Call the 24-hour customer service hotline of Minsheng Credit Card, switch to "manual service" or "according to self-service voice prompt", select the number of application periods, enter the application amount, and transfer to complete the application.

3. WeChat application process:

Open the official WeChat account of Minsheng Credit Card, click Quick Processing-Instant Installment-Cash Installment, select the number of installments, enter the application amount and transfer it in to complete the application.

4. Mobile banking application process:

Log in to Minsheng Bank Mobile Banking, click Mobile Banking-Credit Card-My Credit Card-Credit Card Installment-Cash Installment, select the number of installments, enter the application amount and transfer it in to complete the application.

Summary: There are many channels for cash installment of Minsheng Credit Card, including online application and offline application. It should be reminded that once the installment application is successful, it cannot be modified or revoked, and the prepayment fee must be paid in full.

Let's stop here for the phased introduction of Minsheng Credit Card.